Effective Date: [DATE]
By accessing or using the website located at theclevelandagencygroup.com (the "Site"), operated by Cleveland Agency Group ("Cleveland Agency Group," "we," "us," or "our"), you agree to these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.
Cleveland Agency Group is an independent, licensed life insurance and financial services agency serving clients in Texas, Georgia, Mississippi, Alabama, and Louisiana. We are independent — we are not a government agency, we are not affiliated with or endorsed by Medicare or any other government program, and we are not affiliated with any specific bank, mortgage lender, or financial institution. We work with multiple insurance carriers to help clients find coverage suited to their needs.
The content on this Site, including descriptions of Indexed Universal Life (IUL), mortgage protection insurance, term and whole life insurance, final expense coverage, and retirement planning strategies, is provided for general informational and educational purposes only. Nothing on this Site constitutes insurance advice, financial advice, legal advice, or tax advice, and nothing on this Site constitutes an offer, quote, or binder of insurance coverage. Actual coverage, eligibility, premiums, and policy terms are determined solely by the underwriting insurance carrier based on a completed application and underwriting review, and are governed exclusively by the terms of the issued policy.
We do not and cannot guarantee that any individual will be approved for coverage, qualify for any particular rate class, or receive any specific premium. Any figures, ranges, or examples referenced in conversation or on this Site are illustrative only, are not a quote, and are not a guarantee of actual policy terms, which are determined by the issuing carrier's underwriting process.
What we do guarantee is our process: a free, no-pressure, no-obligation, education-first conversation about your options before any recommendation is made. We do not guarantee approval, rates, or coverage — we guarantee that you'll be treated honestly and given the information you need to make your own decision.
By submitting a form on this Site, calling our office, or communicating with us through our website's chat feature and providing your phone number, you expressly consent to receive calls and text messages from Cleveland Agency Group at that number for purposes related to the insurance and financial information, quotes, and follow-up you requested. This consent is not a condition of purchasing any product or service. Message and data rates may apply, and message frequency may vary. Reply STOP to any text message to opt out at any time, or reply HELP for assistance. We are not responsible for delays, non-delivery, or charges imposed by your wireless carrier. See our Privacy Policy for more detail on how we handle consent and communications records.
All content on this Site, including text, graphics, and design, is the property of Cleveland Agency Group or its licensors and is protected by applicable intellectual property laws. You may view and print content from this Site for your own personal, non-commercial use, but you may not reproduce, distribute, or create derivative works from this Site's content without our prior written consent.
This Site may reference or link to third-party services, including our website chat widget provider. We do not control and are not responsible for the content, privacy practices, or terms of any third-party service.
This Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or completely secure.
To the fullest extent permitted by applicable law, Cleveland Agency Group and its owners, agents, and representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of, or inability to use, this Site, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of this Site will not exceed one hundred dollars ($100).
You agree to indemnify, defend, and hold harmless Cleveland Agency Group and its owners, agents, and representatives from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of this Site or your violation of these Terms.
These Terms, and any dispute arising out of or related to this Site or these Terms, are governed by the laws of the State of Mississippi, without regard to its conflict-of-laws principles. Any legal action or proceeding relating to this Site or these Terms will be brought exclusively in the state or federal courts located in Mississippi, and you consent to the personal jurisdiction of those courts.
We may update these Terms from time to time. The "Effective Date" above reflects when these Terms were last revised. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.
Last Updated: [DATE]
Cleveland Agency Group
[OFFICE ADDRESS OR "VIRTUAL CONSULTATIONS AVAILABLE" — CONFIRM WITH CLIENT]
Phone: (615) 939-8296
Email: scleveland01@hotmail.com
Shaqueena Cleveland, Licensed Insurance Producer — License #: [INSURANCE PRODUCER LICENSE #]